Multiply FAQs

Multiply is a modular AI-powered platform that automates the entire financial advice lifecycle. From onboarding through to retirement planning, Multiply helps advice firms save time, reduce cost-to-serve, and scale advice delivery, while staying fully compliant with FCA regulations.

Multiply is designed for financial advice firms, wealth managers, and fintechs that want to deliver personalised, compliant advice at scale. Our clients include large institutions and mid-sized firms looking to increase adviser capacity, launch new low-cost propositions, or embed advice journeys directly into digital products.

Multiply is the only modular AI solution built specifically for financial advice. Unlike tools that focus on a single feature, Multiply automates the full advice lifecycle across 11 advice areas. Our Advice Engine and Risk Engine are proven in the market, having delivered more than 250k compliant recommendations to over 12k customers via our own B2C app.

Multiply covers 11 core areas of advice, including: paying off debts, building an emergency fund, homebuying, investing, pension accumulation and de-accumulation, life protection, income protection, and simple estate planning. This breadth enables firms to serve every client type, from small savers to high-net-worth individuals.

The Multiply Advice Engine is an AI-driven system that generates personalised, FCA-compliant financial advice across multiple domains. It automates recommendations, creates compliant documents instantly, and adapts as client needs or market conditions change.

Multiply’s Risk Engine is a market-tested system that manages compliance, testing, and risk controls. It includes real-time risk assessment, file-checking workflows, and automated testing, ensuring every recommendation is auditable and meets regulatory standards.

Multiply is not an FCA-regulated entity. However, we are the only WealthTech platform in the UK to have been tested and proven in the FCA sandbox. Our Advice and Risk Engines were built to meet FCA standards, and we provide firms with a fully auditable trail of every recommendation.

Multiply’s modular design means firms can go live in as little as 16 weeks. Whether adopting the full platform or starting with a single use case, Multiply delivers measurable value quickly with minimal disruption.

Multiply is built with enterprise-grade security. Client data is encrypted in transit and at rest, and our systems comply with all relevant data protection regulations. We work closely with firms’ compliance and IT teams to ensure secure integration.

Before transitioning to B2B, Multiply delivered over 250k compliant recommendations to more than 12k customers through our own direct-to-consumer app. This experience gave us a unique perspective, as we’ve seen first-hand the challenges of serving end clients at scale.

Today, we bring those learnings to our partnerships, helping firms reduce annual review preparation time by up to 80%, increase adviser capacity to serve 3x more clients, and launch new digital advice propositions quickly and compliantly.g end clients at scale.